Whether as a long-term investment or an entry into the world of precious metals, bullion silver coins (BU) combine stability with transparency, making your investment clear, flexible, and easy to plan. With their high purity, standardization, and comparatively low entry prices, bullion silver coins offer an ideal way to access the silver market.
At EMK, you’ll find a wide selection of proven coins such as the Maple Leaf, Vienna Philharmonic, and Britannia – perfect for anyone looking to use silver as a portfolio component or a form of protection.
Discover our extensive range now!
Investing in silver bullion coins is a proven way to diversify your assets. To give you a clear overview of all relevant information on investment goals, coin selection, and buying criteria, we’ve compiled the key points below.
Overview
Silver is not only a precious metal but also a value-preserving raw material with growing industrial importance. At the same time, it serves as protection against inflation and is a meaningful addition to a diversified portfolio.
The key advantages:
Unlike certificates or ETCs, when you purchase silver coins, you acquire a real, physical investment asset. In times of inflation, currency fluctuations, or financial market turbulence, the intrinsic value of silver remains intact – an advantage that digital investment forms cannot offer.
For thousands of years, silver has served as currency, means of payment, and standard of value. Even today, it is regarded as a crisis-resistant precious metal. Bullion coins such as the Silver Maple Leaf or the Vienna Philharmonic continue this tradition, combining historical stability with modern investment opportunities.
The focus is on material value, not on collector features or limited editions.
Silver bullion coins stand for stability and are ideal for investors who prefer pure precious metal.
Premium Brilliant Uncirculated coins combine investment and collecting passion – ideal for investors who value appearance, exclusivity, and precision.
These 10 bullion coins combine the highest level of recognition, stable value development, and in some cases even attractive collector features. Discover the most popular silver investment coins in brilliant uncirculated quality:
Britannia: Europe’s first silver investment coin. Royal British Mint quality in brilliant uncirculated finish. High liquidity and 999 fine silver.
Perth Mint Lunar Series (7th Year). Purity: 999.9 fine silver. A highly sought-after motif from the Lunar Series.
Perth Mint Koala: 999.9 fine silver in brilliant uncirculated finish. Annual changing motif, popular worldwide.
The Silver Eagle is the official investment coin of the United States. Features the iconic "Walking Liberty" design and is considered the most liquid silver coin in the world.
The Philharmonic is one of Europe’s most successful silver bullion coins. 999 fine silver.
Anniversary: 35 years of the Kookaburra! 999.9 fine silver, brilliant uncirculated. A globally popular issue with security features.
Global bestseller in 999.9 fine silver (brilliant uncirculated). Highest purity and liquidity – Canada’s top silver investment coin.
The legendary Panda coin in 30g of silver. Brilliant uncirculated with annually changing motif. Highly sought after by investors and collectors worldwide.
The legend in 999 fine silver with its iconic springbok motif. Top liquidity and global recognition.
Perth Mint Kangaroo in brilliant uncirculated finish. Highest purity: 999.9 fine silver. A classic design and top investment coin with excellent liquidity.
Silber-Anlagemünzen (Bullionmünzen) dienen der reinen Wertanlage. Ihr Preis richtet sich nach dem aktuellen Silberkurs und dem Feingewicht. Sammlermünzen oder Premium-Ausgaben haben zusätzlich einen gestalterischen oder limitierten Charakter und sind oft teurer im Aufschlag.
Ja. In Deutschland unterliegen Silbermünzen der Umsatzsteuer von 19 %. Seit dem 1. Januar 2025 gilt: Neu importierte Silbermünzen dürfen nicht mehr differenzbesteuert werden, sondern werden mit 19 % auf den gesamten Verkaufspreis besteuert. Die Differenzbesteuerung (§ 25a UStG) ist nur noch bei Altbeständen oder Zweitmarktware möglich. Der ermäßigte Satz von 7 % gilt nicht für Bullionmünzen, sondern höchstens in seltenen Fällen bei echten Sammlermünzen mit deutlich über dem Metallwert liegendem Preis. Silber unterscheidet sich damit grundlegend von Anlagegold, das mehrwertsteuerfrei ist.
Die Lagerung zu Hause ist sicher, wenn geeignete Maßnahmen getroffen werden: zertifizierter Tresor, luftdichte und trockene Verpackung (Silber kann anlaufen), diskrete Verwahrung. Alternativ: Bankschließfach oder spezialisierte Edelmetalllager.
Beliebte Einsteigermünzen sind Maple Leaf, Britannia, Wiener Philharmoniker und American Eagle. Sie sind weltweit bekannt, handelbar und haben geringe Prägeaufschläge – ideal für einen transparenten Einstieg.
Der Verkauf erfolgt unkompliziert über Edelmetallhändler, spezialisierte Shops wie in unserem Shop oder im Privatmarkt. Wichtig: Erhaltungszustand und Originalverpackung beeinflussen den Rücknahmepreis. Standardmünzen erzielen marktnahe Preise.
Gewinne aus dem Verkauf physischer Silbermünzen gelten als private Veräußerungsgeschäfte (§ 23 EStG). Nach einer Haltedauer von mindestens 12 Monaten sind sie komplett steuerfrei. Bei einem Verkauf innerhalb von 12 Monaten gilt eine Freigrenze von 1.000 € pro Jahr (seit VZ 2024). Wird diese überschritten, ist der gesamte Gewinn mit dem persönlichen Einkommensteuersatz zu versteuern.
Whether as a long-term investment or as an introduction to the world of precious metals, bullion silver coins (BU) combine stability with transparency, making your investment manageable, flexible, and predictable. With their high purity, standardization, and comparatively low entry prices, bullion silver coins offer an ideal way to access the silver market.
At EMK, you’ll find a wide selection of trusted coins such as the Maple Leaf, Vienna Philharmonic, or Britannia – ideal for anyone looking to use silver as part of their portfolio or as a form of security.
Discover our comprehensive range now!
Those who invest in silver investment coins choose a proven form of asset diversification. To give you all the relevant information on investment goals, coin selection, and purchase criteria at a glance, we’ve clearly summarized the most important points below.
Overview
Silver is not only a precious metal but also a stable commodity with growing industrial importance. At the same time, it serves as protection against inflation and a meaningful addition to a diversified portfolio.
The most important advantages:
Unlike certificates or ETCs, when you purchase silver coins, you acquire a real, physical asset. In times of inflation, currency fluctuations, or financial market turbulence, the intrinsic value of silver remains intact — an advantage that digital investment forms cannot offer.
For thousands of years, silver has served as currency, means of payment, and store of value. Even today, it is regarded as a crisis-resistant precious metal. Bullion coins such as the Silver Maple Leaf or the Vienna Philharmonic continue this tradition, combining historical stability with modern investment potential.
The focus is on material value, not on collector features or limited editions.
Silver bullion coins represent stability and are ideal for investors who prefer pure precious metal.
Premium brilliant uncirculated coins combine investment and collecting passion – ideal for investors who value appearance, exclusivity, and precision.
These 10 bullion coins combine strong recognition, stable value performance, and in some cases even attractive collectible features. Discover the most popular silver investment coins in brilliant uncirculated quality:
Britannia: Europe’s first silver investment coin. Royal British Mint quality in brilliant uncirculated condition. High liquidity and 999 fine silver.
Perth Mint Lunar Series (7th year). Purity: 999.9 fine silver. A highly sought-after design from the Lunar Series.
Perth Mint Koala: 999.9 fine silver in brilliant uncirculated quality. Annually changing design, popular worldwide.
The Silver Eagle is the official investment coin of the United States. Features the iconic “Walking Liberty” design and is considered the world’s most liquid silver coin.
The Philharmonic is one of Europe’s most successful silver bullion coins. 999 fine silver.
Anniversary: 35 years of Kookaburra! 999.9 fine silver in brilliant uncirculated quality. A globally popular coin featuring advanced security features.
Global bestseller in 999.9 fine silver (brilliant uncirculated). Maximum purity and liquidity. The top silver investment coin from Canada.
The legendary Panda coin in 30g silver. Brilliant uncirculated with annually changing design. Highly sought after by investors and collectors worldwide.
The legend with 999 fine silver and the iconic springbok design. High liquidity and global recognition.
Perth Mint Kangaroo in brilliant uncirculated condition. Maximum purity: 999.9 fine silver. Classic design and top-tier liquidity.
Silver bullion coins serve purely as investment assets. Their price is determined by the current silver spot price and fine weight. Collector coins or premium issues additionally have an artistic or limited character and often come with a higher premium.
Yes. In Germany, silver coins are subject to a VAT rate of 19 %. Since January 1, 2025, newly imported silver coins may no longer be margin taxed but are instead subject to 19 % VAT on the total sales price. Margin taxation (§ 25a UStG) remains possible only for existing stock or secondary market goods. The reduced rate of 7 % does not apply to bullion coins, except in rare cases for true collector coins with a price significantly above their metal value. Silver thus fundamentally differs from investment gold, which is exempt from VAT.
Home storage is safe if proper precautions are taken: a certified safe, airtight and dry packaging (silver can tarnish), and discreet storage. Alternatively, consider a bank safe deposit box or specialized precious metal storage facility.
Popular beginner coins include the Maple Leaf, Britannia, Vienna Philharmonic, and American Eagle. They are globally recognized, highly liquid, and feature low premiums – ideal for a transparent entry into silver investing.
Resale is straightforward through precious metal dealers, specialized shops such as ours, or on the private market. Important: condition and original packaging influence the buyback price. Standard coins usually achieve market-based prices.
Profits from selling physical silver coins are considered private sales transactions (§ 23 EStG). After a holding period of at least 12 months, they are completely tax-free. If sold within 12 months, a tax-free allowance of €1,000 per year (since tax year 2024) applies. If this threshold is exceeded, the entire profit is subject to your personal income tax rate.
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